ICICI Bank
ICICI Bank Manchester United Platinum Credit Card
Annual Fee
₹589₹499 + GSTBase Reward
2% points
Foreign Markup
3.5% on all foreign currency spends
Welcome Benefits
Complimentary Manchester United Branded Football on card activation
Product Highlights
- 2 Reward Points on Every Domestic/International transaction of ₹100.
- 3 Reward Points per ₹100 spent on Manchester United match days.
- Complimentary Manchester United Branded Football as a Welcome Gift.
- Exclusive discount on dining bills at partner restaurants under the ICICI Bank Culinary Treats program.
Category Rewards
entertainment
2 Reward Points per ₹100
2 pts/₹100
dining
15% savings at restaurants
15X
Fee Waiver
Renewal fee waived off if Rs. 1.25 lakh were spent in the previous anniversary year
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
BookMyShow
2 Reward Points per ₹100
INOX
2 Reward Points per ₹100
Reward Calculator
Earns ₹911/year (net)
Modest gain. Solid hold if you like the perks.
₹25K
across all your buckets
6K
ICICI Reward Points
₹1.5K
via standard · ₹0.25/pt
Effective rate
0.50%
Annual fee
₹589
Year 1 net
+₹911
Year 2+ net
+₹911
ongoing
Adjust your spend by reward bucket
1 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Rent payment surcharge
1%Charged on every rent transaction via CRED / NoBroker / Magicbricks / etc.
Wallet load surcharge
1%from Jan 2026Kicks in after ₹5,000 cumulative wallet loads/cycle (Paytm, PhonePe, Mobikwik)
Utility payment surcharge
1%Kicks in after ₹50,000 cumulative utility spends/cycle
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, rent, wallet, emi, cash advance, utility
Fuel surcharge waiver (good news)
1%Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
2 Reward Points for every ₹100 spent with the card, 3 Reward Points per ₹100 spent on Manchester United match days.
- 1 Reward Point = ₹0.25
Benefits & Features
Domestic: 1 complimentary domestic lounge access per quarter (Minimum ₹75,000 spent in the previous quarter required) International: N/A (N/A) 1 complimentary domestic lounge access per quarter under the Visa domestic lounge program.
Pros & Cons
Pros
- 2 Reward Points for every ₹100 spent.
- 3 Reward Points per ₹100 on Manchester United match days.
- Complimentary Manchester United branded football on card activation.
- 15% discount at over 2500 restaurants.
Cons
- No international lounge access.
- Annual fee of ₹499 + GST.
- Redemption fee of ₹99 per request.
Additional Info
Top spender benefits include exclusive Manchester United merchandise and experiences.
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
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Fees & Charges
Eligibility
Networks
Fee Waiver
Renewal fee waived off if Rs. 1.25 lakh were spent in the previous anniversary year